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Tennessee Commercial Auto Insurance

Stay on the road to success with commercial auto insurance

For Tennessee businesses relying on vehicles, our Commercial Auto Insurance is an essential safeguard. Whether you’re operating delivery vans, company cars, or specialized vehicles, Farm Bureau Insurance of Tennessee provides robust specialized coverage to protect your business against the unique risks associated with commercial vehicle use. Our policies are tailored for various business types, ensuring your business stays moving safely and legally.

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Commercial Auto Coverages

Liability Coverage

Non-Owned Vehicle Coverage

Physical Damage Coverage

Hired Auto Coverage

Providing Comprehensive Coverage For:

Delivery and Service Vans

Company Cars

Construction and Landscaping Vehicles

Heavy Trucks and Trailers

Food Trucks

Commercial Vans & Utility Vehicles

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Download your proof of insurance, pay bills, file a claim, and manage your policies in one place with My Account.

Hands holding phone with Farm Bureau Insurance of Tennessee My Account visible on screen
Here for you whenever, wherever you go
Download your proof of insurance, pay bills, file a claim, and manage your policies in one place with My Account.
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From our Blog

When you're ready, protect what matters most

Common questions about commercial auto insurance

Commercial auto insurance covers a wide range of vehicles used for business purposes. This includes delivery and service vans, construction and landscaping vehicles, company cars, livery services, food trucks, and heavy trucks like dump trucks and tractor-trailers. The coverage is designed for vehicles that face higher risks and often require specialized coverages compared to personal autos.

In Tennessee, the minimum insurance requirements for commercial auto insurance are often referred to as 25/50/15. This means the policy will pay up to $25,000 for each person injured in an accident, $50,000 for all people injured in an accident, and $15,000 for all property damaged in an accident. These requirements provide basic liability coverage and may vary based on the vehicle type and use.

Premiums for commercial auto insurance are based on several factors, including the number of vehicles, type and value of the vehicles, the level of risk involved, claims history, employee driving records, and the policy deductible and limits. Additional considerations include the profession and industry risks, vehicle usage, driving history, business location, travel radius, and specific coverage needs. Premiums can vary widely based on these factors.

Yes, you can add additional coverages to your commercial auto insurance policy to suit your specific business needs. Common additions include comprehensive coverage, collision coverage, and coverage for leased or hired vehicles. Your insurance provider agent can help you tailor your policy to address the unique risks associated with your business.

Filing a claim under your commercial auto insurance is a straightforward process. Begin by contacting your local Farm Bureau Insurance agent promptly and providing details of the incident. This typically includes information about the date, time, and location of the accident, involved parties, and a description of damages. Your agent will guide you through the necessary steps and documentation required for a smooth claims process.

Not sure what kind of coverage you need?

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Tennessee's Insurance Company since 1948.

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Tennessee Farmers Insurance Companies

P.O. Box 307

Columbia, TN 38402-0307